/ Card Machines & Merchant Services
The cheapest card machines for UK business.
Compare interchange-plus merchant rates from every major UK acquirer. Countertop, portable, mobile 4G and PayByLink. Slash card-processing, terminal hire and PCI fees by 20–40% without changing the way your customers check out.
40%
Typical cut in card-processing fees
0.3%
From — debit card rate available
next day
Settlement standard
£0
Setup & PCI fee on lead plans
/ Terminal Types
Every payment scenario, one supplier.
Countertop terminals
Plug-and-play fixed terminals (Ingenico, PAX, Verifone) for retail counters, takeaway tills and reception desks. Ethernet or 4G fallback, integrated receipt printer.
Portable Bluetooth machines
Wireless terminals that roam anywhere on your premises — perfect for restaurants, pubs, beer gardens and pay-at-table service. Faster table turn, bigger tips.
Mobile 4G card readers
Pocket-sized 4G card readers for tradespeople, market traders, mobile beauticians and pop-ups. Take payment on any UK street with no Wi-Fi needed.
PayByLink & virtual terminal
Send a secure SMS or email payment link, take card-not-present payments over the phone, or paste a Pay link straight into invoices and quotes.
/ What's included
Lower rates. Same checkout. Zero hassle.
We re-tender your card processing across every acquirer in the UK — Adyen, Barclaycard, Elavon, Worldpay, Stripe, Tyl by NatWest, Lloyds Cardnet, takepayments and more — and bring you the lowest total cost of acceptance.
- Lowest interchange-plus pricing in the UK market — full fee transparency, no blended rates
- Free terminal swap from Worldpay, Barclaycard, Elavon, Stripe, SumUp, Square, Dojo, takepayments and Lloyds Cardnet
- American Express, Diners, JCB, UnionPay, Apple Pay, Google Pay, Klarna and Clearpay accepted out of the box
- PCI-DSS compliance included — no surprise quarterly fees
- Next-day settlement standard, same-day available on selected plans
- 30-day rolling contracts available — no 4-year terminal lock-in
/ FAQ
Card machines & merchant fees — frequently asked
How much do business card machines cost in the UK?
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Terminal rental ranges from £0–£30/month depending on the contract length, plus a transaction fee per card swipe. Cheapest market rates start at 0.3% for personal debit, 0.5% for business debit and 0.8% for credit cards on interchange-plus pricing. We negotiate the merchant deal and the terminal lease together — most businesses save £80–£600 a month.
What is the cheapest card machine for a small business?
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For under 500 transactions a month, a pay-as-you-go SumUp or Square style reader is cheapest with no monthly fee. Above 500 transactions a month, a true merchant account on interchange-plus pricing beats PAYG by 20–40% — that's where we add the most value.
Can I keep my current card terminal and just switch the merchant account?
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In many cases yes — most modern PED terminals can be re-keyed to a new acquirer. Where the terminal is locked we provide a free replacement. Either way there's zero checkout downtime during switchover.
Do you charge a fee for finding me a card machine deal?
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No. Our comparison and switching service is 100% free to you. The acquiring bank pays us a referral commission, disclosed up front, and it does not affect the rate you're offered.
How fast is settlement on a new merchant account?
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Standard settlement is next working day for Visa and Mastercard. Selected acquirers offer same-day or even instant settlement for an additional fee — useful for cash-flow-tight hospitality and seasonal trade.
Will I be charged for PCI compliance?
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All deals we negotiate include PCI-DSS validation and ongoing scanning at no extra cost. The £30/month PCI charge most legacy providers add is the single biggest hidden fee we eliminate.
Free 30-second merchant statement review.
Upload a recent merchant statement and we'll show you exactly how much you'll save — line by line, no jargon.
Get my comparison/ Start your Card Machines / Merchant Services review
Upload your merchant statement.
Send us a recent merchant statement and your current contract end date. We'll re-rate every transaction band on interchange-plus pricing and show you the savings side-by-side.
Everything managed for you — at no cost to your business
Business energy, water and business rates cost management with nothing to pay. We manage your supplier accounts, audit every bill, sign and file the paperwork, and recover what you have been overcharged. You stay in control and can withdraw access at any time.
No fee to your business
No subscription, set-up fee or minimum term. Suppliers pay us, you never do.
We manage your supplier accounts
Confirm your supplier names and online logins once — encrypted, masked and cancellable in one click — and we work your accounts directly.
Overcharges eradicated at source
Every bill line audited: wrong unit rates, out-of-contract rates, estimated reads, duplicate standing charges, VAT and CCL — recovered up to six years back.
Sign once, digitally
Type your name to sign your Letter of Authority. Every signature carries a DocuSign-style certificate of authenticity with time, IP and device.
Signed PDFs retained and shared
Your signed LOA is stored as a PDF, emailed to you and issued to every supplier with your account numbers and business name on the subject line.
Readings and usage tracked
Submit readings from your phone or let us post them into your supplier account, so you are billed on actuals and never estimates.
Renewals never missed
We watch contract end dates and negotiate whole-of-market before any out-of-contract rollover can bite.
Disputes handled with evidence
Raise a challenge with supporting documents attached; we build and send the evidence pack to the supplier and chase it to resolution.